Terms & Conditions

PLEASE READ FIRST: BE SURE TO READ ALL OF THE TERMS AND CONDITIONS LISTED HERE CAREFULLY. BY USING THIS WEBSITE AND THE SERVICES PRODIVED, YOU ARE AGREEING TO ALL TERMS AND CONDITIONS THAT ARE MENTIONED BELOW. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS LISTED HERE THEN PLEASE DISCONTINUE YOUR USE ON THIS WEBSITE AND THE USE OF ANY ONLINE SERVICES IMMEDIATLEY.

Disclaimer

By agreeing with these terms and conditions you are stating that you fully understand and agree that you will use the services that are provided by this website at your own risk. Our company will not be responsible or liable for any loss, damage, costs or liabilities that you may encounter during the time you are using the services provided. Any collective losses that you have suffered or incurred either directly or indirectly by yourself along with any losses without limitation that were suffered or incurred by you arising from, in connection with, or caused by the following…

Loan Application and in-principal-approval of loan

An in-principal-approval of loan does not necessarily mean guaranteed approval. We at Credit Excel reserve the right to make any adjustments to your loan amount as well as reject your loan entirely at our own discretion.

Your Personal Information

If you choose to apply for a loan by use of our online application form, you are confirming to us that all of the information you provided is true. By providing us with your personal information through our online services or when you apply at a loan facility you are

Authorizing us to do credit check or a 3rd parties check so that we may be provided with all of the necessary information that we need in order to process your loan application or other services that you wish to receive from Credit Excel.

Allowing us to disclose some of your personal information from time to time with governmental or judicial agencies, bodies or regulators. This process will only be authorized under the proper authority.

When visiting this website, your activity may be recorded in order for us to analyze the number of visitors that our website receives and the usage patterns of the majority of our customers. All of the personal information that is voluntarily provided to us by clients may be used for marketing purposes and given to other businesses that may offer similar products or services that we believe the customer would be interested in. If you would like to be removed from our mailing list and do not wish to receive promotional items or information about items you may be interested in, you have the option to opt out. Please contact our customer service hotline to let us know and a request will be sent to those in charge of marketing within the next two weeks.

If you provide us with false or fraudulent information, then we will pass on the information to the fraud prevention authorities and law enforcement officials will have access and use this information if the opportunity arises.

An Overdue or Outstanding Loan

Credit Excel reserves all rights to collaborate with an outside debt collector service or other legal resources in order to receive any unpaid or overdue balance from you. If this activity continues, we reserve the right to report this information to credit bureaus where this information could be provided to other corporations where you may wish to apply for a loan, therefore reducing your chances of getting approved for a loan in the future. These records will remain on your file for up to seven years before it may be removed from your credit history.

If you have any doubts about your ability to repay a loan to us then you should reconsider or else your credit rating will greatly suffer.

Governing Law

The Terms and Conditions listed on this page are governed by and construed to be in accordance with the laws of theRepublicofSingapore. By accessing or using the services available on this website, you agree along with the Terms and Conditions of Access that all use shall be governed by and construed in accordance with the Laws orSingapore. You agree to submit this information to the non-exclusive jurisdiction of the Singapore Courts.

Changes made to the Terms and Conditions

Credit Excel reserves the right to change, modify, add or remove any part of the terms and conditions at our own discretion in whole or in part at any given time.

Credit Bureau Information

If you would like more information regarding your current credit status, you may contact or use the following resources to assist you with this information.

Credit BureauSingapore, Dun & Bradstreet (Singapore) Pte Ltd.

Questnet, DP Information Group

Fraud Prevention authorities should refer to the Police Force, CPIB or the Government Authorities of Singapore.